USAA Credit Card

USAA Credit Card

 3.3/5 (559 reviews)

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Overall Rating3.3 out of 5
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About USAA Credit Card

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USAA is a leading provider of financial services to the U.S. military and their families. The company offers a wide range of products and services, including banking, insurance, investments and retirement planning. USAA is committed to providing its members with the best possible financial experience, as is shown by its low fees and competitive interest rates.

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 25, 2023

We began getting cash advance fees charged to our card each month after the statement closing date starting in 2023. We contacted USAA and the CSR could not understand what our problem was. The problem: they are charging fees now even though we pay the cash advance in full plus the interest within two days of the transaction but we are still charged and continue to be charged the interest, even though the card is paid off. It never used to be like this until December 2022. Found out USAA was sold and now our insurance coverages have changed dramatically for the worst, our credit card now has serious fee calculation problems, and customer service cannot help fix anything. We have been with USAA for more than 30 years but looking to get away from it which is such a hassle. We do not recommend the USAA American Express card.

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Verified Reviewer
Original review: April 1, 2023

Yes every time that I use my USAA credit card it reports automatically to the credit bureaus within a couple of days! I had a streaming service come out for about $10-12 and it dropped my credit score 12 points. That’s ridiculous! They don’t even give you a chance to pay on it before they report it!

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    Verified Reviewer
    Original review: Jan. 15, 2023

    My rewards history states I have earned 13010 and have availability 7117. I am advised my rewards don’t expire. I am a new rewards card holder. I was bounced between rewards department and customer service. No one can tell me where my missing points went. Customer service is questionable if they can’t explain the history of the rewards and for a new account. I will rethink using this account for my primary reward earner. I expected more from a military business. Hope they can regain my loyalty.

    3 people found this review helpful
    Verified Reviewer
    Original review: Jan. 8, 2023

    Someone stole my credit card then charged $17.00 on it. I contacted the fraud department & told them of the theft of my credit card. Five years have passed yet I am still disputing the $17.00 charge on my credit card. USAA bank is committing a felony by trying to extort money from me. I’m a disabled veteran who is being taken advantage of. USAA bank has threatened bodily harm to me over the $17.00. I’m a senior citizen with a host of illnesses yet USAA bank is ruining my credit. I don’t owe USAA bank $17.00 but they charged off the amount & ruined my credit. USAA bank is guilty of extortion & civil rights violation.

    8 people found this review helpful
    Verified Reviewer
    Original review: Aug. 19, 2022

    I've been a USAA member for over fifty years. Recently I went on a cruise that included the eastern US and Canada. Weeks before leaving, I completed a travel notification on the USAA site for the period I was traveling. The first time I used the card in Canada, their fraud division froze my card over a $15 purchase of two beers. I had to spend 15-20 minutes on the phone verifying my ID to get it unfrozen. Obviously, their computer program pays no attention to travel alerts. In the future, I will leave the USAA card home when I travel.

    6 people found this review helpful
    Verified Reviewer
    Original review: July 21, 2022

    Paid USAA credit card in full weeks before statement payment was due. USAA Bank didn't disclose that it holds payments, even those made via ETF, before applying to account which, of course, would bring "available credit" back to maximum amount. Account even had a credit balance due to a merchant refund. Never had a large credit card payment held because of "algorithms" designed to prevent fraud (USAA's explanation) and as noted above, the payment was made via ETF thus it left my account and received by USAA within 24 hours.

    7 people found this review helpful
    Verified Reviewer
    Original review: June 16, 2022

    I had a fraudulent charge on my credit card, which I disputed and had it removed from my account. However, I was charged interest on those charges and USAA refused to remove them even after several reps verified over the phone that they should be removed. I had multiple reps submit approval to remove these interest charges but the fraud department continuously rejected the claims. Eventually this impacted my credit score so I gave up and paid the interest for purchases I didn’t make so I could just close out the account and never deal with USAA credit services again. I would give zero stars if I could.

    7 people found this review helpful
    Verified Reviewer
    Original review: June 15, 2022

    It's a shame. I've had a USAA credit card for 29 years! During this time, I've never had a problem; I paid my bill every month and on time, without fail. This past Feb 2022, I had a fraudulent charge show up. This was a product I had, indeed, ordered but what showed up was completely different as in not even in the same category as what I had ordered. Long story short, I received one oven mitt from China. What I had ordered cost approximately $78.00. I submitted every bit of information I had 2 or 3 times to no avail.

    USAA wants me to return the oven mitt to China. Really? So, I'm going to pay the cost of returning an item to China and have no idea what that would cost. So then I would end up paying MORE because of a fraudulent charge. This does not seem like a sensible thing to do. After 3 phone calls and getting nowhere, I closed my credit card account. I will be taking my tremendous credit score and giving a better-suited company my business. Apparently, 29 years means nothing to the company.

    5 people found this review helpful
    Verified Reviewer
    Original review: June 8, 2022

    I have banked with USAA for a dozen years. I opened a USAA $1k secured CC 6 years ago and used and paid it regular. Meantime I opened cards with AE, NFCU, CHASE, Citi, and Discover. This past January I applied for a USAA rate advantage card. I was granted a $20,500 limit. Today, less than 6 months later USAA raised my limit a $1k to $21,500.00. Recent Fed interest hikes and my interest rate is 11%. My USAA secured card is still secured but that's just fine. In the past I saw no issue running a card to the limit, and then I saw the light. I pay off cards monthly by the statement closing date, not by the due date. If I need to keep a balance for the month I keep it below 30% of card limit. I typically keep my balance around 2% of credit line or less. Most are paid off. USAA IS pretty straight up. It's not their fault if someone doesn't understand industry standard rules and guidelines. I can gladly recommend USAA cards and services.

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    Verified Reviewer
    Resolution response: May 28, 2022

    After I submitted a complaint with the Consumer Financial Protection Bureau I was contacted by the CEO private resolution manager and she then corrected all of the issues. She claimed that a fraud security was turned on, but not one of the CSRs seemed to be able to make that determination, which is locked my account.

    Original review: May 19, 2022

    I used my card a few times and then it started to be declined. I would call and they couldn't find out why. They double processed my payment and took almost 1000 dollars more than necessary. Customer service was totally useless, card is an embarrassment to try to use.

    7 people found this review helpful
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